Risk: High

Starting an AI Returns Management System for E-commerce from scratch can be quite risky, especially for someone who can't afford to lose money. It's possible to lose money invested in technology, marketing, and operational costs. Beginners might spend money on software development, AI implementation, and marketing efforts without seeing immediate returns. There are significant startup costs involved, such as software development expenses and marketing campaigns, which may not pay off right away. Online discussions mention instances where people have failed or lost money due to lack of market demand or ineffective implementation of the system. I'd rate the risk a 1 out of 3 because there is a high chance of losing money, especially for beginners without prior experience or substantial resources.